The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$43,349
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,698
−HK$1,370/mo
Today · 4.125%
HK$46,068
baseline
▲ 0.50% · 4.625%
HK$48,871
+HK$2,803/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,136/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,225
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,519
−HK$1,312/mo
Today · 4.125%
HK$50,831
baseline
▲ 0.50% · 4.625%
HK$53,510
+HK$2,679/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,662/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,019
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,637
−HK$1,644/mo
Today · 4.125%
HK$55,281
baseline
▲ 0.50% · 4.625%
HK$58,645
+HK$3,364/mo
Deposit HK$7.60M · loan HK$11.41M · min. income ≈ HK$110,562/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$712,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,871
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,423
−HK$1,574/mo
Today · 4.125%
HK$60,997
baseline
▲ 0.50% · 4.625%
HK$64,212
+HK$3,215/mo
Deposit HK$7.60M · loan HK$11.41M · min. income ≈ HK$121,994/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$712,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,689
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,577
−HK$1,918/mo
Today · 4.125%
HK$64,495
baseline
▲ 0.50% · 4.625%
HK$68,419
+HK$3,924/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$128,990/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$712,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,516
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,326
−HK$1,837/mo
Today · 4.125%
HK$71,163
baseline
▲ 0.50% · 4.625%
HK$74,914
+HK$3,751/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$142,326/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$712,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,028
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$80,456
−HK$2,466/mo
Today · 4.125%
HK$82,922
baseline
▲ 0.50% · 4.625%
HK$87,967
+HK$5,045/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$165,844/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,806
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$89,134
−HK$2,362/mo
Today · 4.125%
HK$91,496
baseline
▲ 0.50% · 4.625%
HK$96,319
+HK$4,823/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$182,992/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,899 · Scale 2, in force from 26 Feb 2026)